Process: 

If your RA Bank App is showing as, “Pending”, it is because you need to complete some steps on RA’s website.

 

• Please note that for RA, you must have a separate account for each EFIN (including one for the Master EFIN).
  
  

• You must upload the ID/IDs for each EFIN (When you completed the bank enrollment application in Account HUb, if you entered a different person for the EFIN Owner, Business Owner, or Control person, you will need to upload the ID for each person).
  
  

• Take a compliance test for each EFIN.
  
  

• Upload the EFIN Application Summary for each EFIN (If this process is for the Master EFIN, you do not need to upload the EFIN Summary).
  
  

• This process will need to be completed each year when enrolling with RA.
  
  

Logging In to Your RA Account from Last Year

• If you used Refund Advantage (RA) last year, you can log in using the same credentials you previously created.
  
  

• If you’ve forgotten your username, refer to the following article for help:
  RA Bank Account – Username Missing/Lost

Creating Your RA Account for the First Time

• If this is your first time creating a Refund Advantage (RA) account for your EFIN, please follow the steps in the article below:
  RA Login for the First Time – Create New Account

Steps to Get Your Bank Application Accepted (Refund Advantage)

Follow the steps below to log in and proceed with your Refund Advantage bank application:

1. Open the Refund Advantage website.
   
   

2. Click ‘Login’ in the top-right corner.
   
   
   
   

3. Enter your Username and Password, then click ‘Sign In’.
   
   

4. Type your Username and Password, and click on ‘Sign In’.
   
   
   
   

5. Once inside, click on ‘Compliance Test’, and answer all the questions to complete the test..
   
   
   
   

6. After signing in, locate the Compliance Test section.
   
   

• You should see a green checkmark next to it, indicating it has been "Passed."
  
  
  
  

• A score (e.g., 100%) will appear to the right, confirming successful completion.
  
  

• If the test is still under review, it will display "In Review" instead.
  
  

7. Click on ‘Document Upload’ located on the left-hand side of the screen.
   
   
   
   

8. Click on ‘Add Existing Image’.
   
   
   
   

9. Select the appropriate ID document(s) and click ‘Open’ to upload.

⚠️ Note: If you entered different individuals as the EFIN Owner, Business Owner, or Control Person during bank enrollment in Account Hub, you must upload a valid ID for each person listed.

10. Check the box for the Photo ID.
    
    
    
    

11. Click on ‘Add Existing Image’ again. (*Skip this step if this is for your Master EFIN)
    
    
    
    

12. Select the EFIN Summary and click on ‘Open’. (*Skip this step if this is for your Master EFIN)
    
    

13. Check the box for the EFIN Summary. (*Skip this step if this is for your Master EFIN)
    
    
    
    

14. After uploading your documents, click ‘Send’ to submit them.
    
    
    ⚠️ Important:

• If you selected Sole Proprietor on your bank enrollment application in Account Hub, you can leave the Proof of Incorporation section blank.
  
  

• If you selected LLC, you are required to upload your Proof of Incorporation document.

15. Once all documents are uploaded, the status for each section may still show as “In Review.”
    
    
    
    ✅ This is expected. Although it may appear that no progress is being made, the statuses will update to “Verified” once Refund Advantage completes their review process.
    
    

16. Once you've completed these steps, you’ll only need to wait a maximum of 48 hours for the bank enrollment to be accepted.
    
    

⏳ If the enrollment is still not accepted after 48 hours, please submit a ticket, and our support team will assist you.